Balmville, NY
Balmville, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Balmville lands at the 33rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,380 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Balmville at the 33rd percentile, close to its 33rd-percentile risk score.
Balmville's building exposure, zone by zone
Most of Balmville's buildings (46.8% of 1,380) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Balmville compares
Within New York, Balmville ranks higher (72nd percentile) than it does nationally (33rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Balmville ranks 20,992 for wildfire risk (1 is highest) and 9,717 by building count (1 is largest). Within New York alone, it ranks 362 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Balmville and the insurance market
Balmville's moderate wildfire rating (33rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 46.8% of Balmville outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Balmville's figures come from
The methodology guide shows exactly how USFS turned 1,380 counted buildings into the percentiles shown above for Balmville. The exposure-zones guide covers what Balmville's dominant minimal exposure actually means, with real examples from across the dataset.